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المنع من السفر والعواقب المترتبة على التخلف عن سداد بطاقات الائتمان

أخبرني صديقي أن كل شيء في الوقت الحالي مرتبط ببطاقة الهوية الإماراتية.

وبمجرد إلغائها أو إلغاء تأشيرتك، ستتلقى جميع البنوك ذات الصلة إشعارًا بذلك، وستراجع البنوك أنظمتها فيما يتعلق بالرسوم والغرامات والقروض المستحقة على الشخص المعني.

وفي حالة وجود مثل هذه المستحقات، سيتخذون إجراءات فورية لمنع ذلك الشخص من مغادرة دولة الإمارات، هل هذه المعلومات صحيحة؟ ما مدى صحة هذا الأمر؟

ليس لدي أي قروض، وأنا أدفع الحد الأدنى الشهري المستحق لبطاقة الائتمان. هل سيعلم بنك بطاقة الائتمان أنني سأغادر البلاد حيث أنه تم إلغاء التأشيرة وبطاقة الهوية؟ هل سيوقفونني في المطار؟

Jasim Almaeeni Advocates & Legal Consultants
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8 Oct 2019, 08:07

Dear Questioner,

Yes, your Emirates ID is connected with all the government departments of the UAE and also associated with your bank accounts and credit cards.

However, if you are paying your credit payments on time and you haven't missed any of the payments yet, that is very much unlikely anyone will stop you at the airport while exiting the country due to a travel ban as that is required for the visa change purposes. So you may travel.

But, please note that if you are planning to leave this credit loan behind, the banks after 2 to 4 missing payments will initiate the criminal proceedings against you, and whenever in life you try to enter the UAE again or take transit flight from the UAE, they will detain you.

Also, they might appoint a debt collection company/law firm in your home country who may create problems for you to recover the outstanding amount. So I highly recommend thinking before taking any further steps.

If you need any further clarification or assistance please feel free to contact me.

Best regards,

Khubaib Naeem

8 Oct 2019, 10:13

Dear Sir,

If my visa is cancelled peacefully, then that means my credit card bank has no issue with my due balance right?

The visa was cancelled successfully which means no case is filed on me by the bank, right? Or they cancel my visa but stop me at the airport?

8 Oct 2019, 10:33

Dear Questioner,

Your labour visa cancellation has been done by the Ministry of Human Resources, and the travel ban is imposed by the Immigration Department or the Police.

If you want to check if there is already any case filed against you, we can do that for you or you may visit the nearest police station by yourself.

Thank you.

8 Oct 2019, 10:37

Dear Sir,

In what circumstances will the bank file a police complaint? If I don't pay the minimum monthly payment consecutively by 2 months or so? What is the condition here?

8 Oct 2019, 11:11

As per the law, there are no specified conditions, the bank has the right to file the case for missing a single payment.

However, banks normally wait for 2 to 3 payments before the filing of the police case.

8 Oct 2019, 11:12

Thank you so much, Sir.

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